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Shopping and not worrying about overdraft fees Shopping and not worrying about overdraft fees
Worry less with our overdraft protection options designed to help when there’s not enough money in your account to cover a transaction.
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Debit Card Courtesy Pay

This is a discretionary service you can opt into as a checking accountholder1. If your debit card or ATM transaction exceeds your account balance, it authorizes us to make a one-time payment so your transaction can still be processed.

What's The Cost?

We’ve eliminated Debit Card Courtesy Pay fees for transactions under $75. For transactions $75 or greater, the fee has been reduced to $15 per transaction.

How to Enroll

Access your My Affinity Toolkit on the homepage of Online Banking or log in to the Mobile Banking App and go to Self Service > My Affinity Toolkit to enroll.

Enroll Today
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Overdraft Protection Plan

Link your checking account to another eligible Affinity account, such as SmartStart Savings, to automatically transfer funds when you’ve exceeded your checking account balance. There are no fees to take advantage of this account feature.

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Standard Courtesy Pay

This service automatically comes with your checking account and covers you if your checks, outgoing ACH transactions, automatic bill payments or recurring debit card payments exceed your available balance2.

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Overdraft Line of Credit

Apply for a line of credit to automatically transfer funds in the event of an overdraft. You only pay interest when you use the line of credit. Depending on the amount of the transaction, the interest you pay for the overdraft is typically less than the Standard Courtesy Pay fee.

Apply Now

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All loans are subject to credit review and approval. You may opt out and learn more about account overdraft protection options by contacting 800.325.0808 or visiting a branch.  Overdrafts are paid at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction even if you have opted in to Debit Card Courtesy Pay.

1. Debit Card Courtesy Pay –  A discretionary service, which you must affirmatively consent to by opting in, that allows Affinity to pay certain transactions presented against a qualified checking account even if they cause the account to become overdrawn. This consent authorizes Affinity to pay overdrafts for the following types of transactions: ATM transactions and everyday debit card transactions. We will charge you a fee of $15 each time we pay an overdraft for transaction amounts of $75 or greater. No fee is charged for transactions below $75. There is no additional cost associated with this service unless you use it. Time for Repayment: We reserve the right to require you to pay an overdraft immediately. You are responsible to pay any negative balance in your account and should make every attempt to bring your account to a positive balance within 30 days. If, after a period of time, your account has not been brought to a positive balance, we may suspend your account and take other steps to recover the funds, including collection and/or legal action. There is no limit on the total fees we can charge you for overdrawing your account. Circumstances Under Which We Would Not Pay: The circumstances under which we would not pay an item or debit that would overdraw your account are entirely at our discretion, and we reserve the right not to pay. For example, we typically wouldn’t pay if your account is not in good standing, or you are not depositing regularly, or you have too many overdrafts. The fact that we pay one or more items creating overdrafts does not obligate us to do so in the future.

2. Standard Courtesy Pay –  A discretionary service that allows Affinity to pay certain transactions presented against a qualified checking account even if they cause the account to become overdrawn. Authorizes Affinity to pay overdrafts for the following types of transactions: checks and other transactions made using your checking account number, automatic bill payments, and recurring debit card transactions. We will charge you a fee of $33 each time we pay an overdraft. There is no additional cost associated with this service unless you use it. Time for Repayment: We reserve the right to require you to pay an overdraft immediately. You are responsible to pay any negative balance in your account, and should make every attempt to bring your account to a positive balance within 30 days. If, after a period of time, your account has not been brought to a positive balance, we may suspend your account and take other steps to recover the funds, including collection and/or legal action. There is no limit on the total fees we can charge you for overdrawing your account. Circumstances Under Which We Would Not Pay - The circumstances under which we would not pay an item or debit that would overdraw your account are entirely at our discretion, and we reserve the right not to pay. For example, we typically wouldn’t pay if your account is not in good standing, or you are not depositing regularly, or you have too many overdrafts.  The fact that we pay one or more items creating overdrafts does not obligate us to do so in the future.